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HBS Working Knowledge March 4, 2009 Retsinas & Belsky	Credit is Not the Bogey As we attempt to jump-start the economy of 2009, we should recognize both the risks and the advantages inherent in a robust credit industry, say the authors.
HBS Working Knowledge September 29, 2008 Martha Lagace	Financial Crisis Caution Urged by Faculty Panel Dean Jay O. Light and a group of Harvard Business School faculty explored the origins and possible outcomes of the U.S. financial crisis at a recent "Turmoil on the Street" panel.
Reason August 2002 Mike Lynch	Building Crisis That housing prices have held up in the midst of the stock market downturn is considered a blessing by many economists -- and by the nearly seven in 10 families that own their homes. But it's a cause of concern for local pols and academics who worry for a living.
HBS Working Knowledge September 12, 2007 Nicolas P. Retsinas	Building Sandcastles: The Subprime Adventure A look at what went wrong in the subprime industry and why.
The Motley Fool March 26, 2007 David Lee Smith	Here Come the Mortgage Regulators With subprime lending continuing to plummet, House and Senate hearings run the risk of further retarding a recovery in housing.
The Motley Fool June 23, 2011 Selena Maranjian	Banks Say No Thanks to Reverse Mortgages Should you do likewise?
BusinessWeek November 1, 2004 Peter Coy	When Home Buying by the Poor Backfires The steady push of homeownership to lower and lower income groups by government initiatives, while positive in many ways, is not an unadulterated good. For many families, a house can be a bad investment.
BusinessWeek July 9, 2007 James C. Cooper	Housing's New Risks For The Economy Mortgage rates are up, credit is tighter, and home prices are falling faster.
HBS Working Knowledge February 24, 2011 Sean Silverthorne	What's Government's Role in Regulating Home Purchase Financing? The private market should be the main supplier of mortgage credit, but it should be carefully monitored using new approaches to regulating mortgage securitization. The government should play a role of "guarantor of last resort" in periods of crisis.
U.S. Banker July 2010	Mandatory Education To prevent future stress in the housing market at the levels we see now, financial education should be required of anyone who receives a mortgage.
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
BusinessWeek October 16, 2006 James Mehring	More Scrutiny For High-Risk Mortgages New guidance put out by U.S. bank regulators warned lenders to keep up their due diligence when issuing exotic mortgages. The impact could be fewer mortgages and less demand for homes.
The Motley Fool February 28, 2011 Dan Caplinger	Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market.
Bank Systems & Technology June 24, 2008 Ann Grochala	In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system.
The Motley Fool July 9, 2009 Dan Caplinger	Let's Stop the Housing Crisis Once and for All It's hard to believe how easily it all could have been prevented. By simply following an old-fashioned standard for taking out a mortgage loan
BusinessWeek October 22, 2007 Michael Mandel	The Economy's Safety Valve Periodic crises like the subprime mess may be necessary to keep global markets from melting down.
The Motley Fool January 9, 2007 Richard Gibbons	Profit From the Housing Bust Smart investors recognize opportunity when everyone else is panicking. If you are prepared to consider a very risky short strategy, then homebuilders and lenders might seem like obvious targets.
The Motley Fool July 9, 2009 Morgan Housel	Could This Prevent Another Housing Blowup? A house is not an investment -- it's a place to live, and nothing more. Artificially supporting a degree of risk that encourages failure is nuts, since homes are incapable of innovating into anything beyond what they've always been.
U.S. Banker February 2006	Gimme Shelter The U.S. residential real-estate boom masks an ugly truth: Affordable housing is increasingly hard to find. Enter manufactured housing, an $8 billion industry that promises to grow by 10% a year.
The Motley Fool February 15, 2008 Dan Caplinger	Can You Really Just Walk Away? Giving up on your mortgage and letting the bank foreclose on your property might seem easy, but how smart is it?
BusinessWeek September 17, 2007 James C. Cooper	Bernanke May Need To Dig Deeper Into His Toolbox It could take a broad rate cut to stabilize the markets and the economy.
BusinessWeek October 13, 2003 Cooper & Madigan	U.S. Housing: Still Solid, but Creaking a Little Key first-time homebuyers look at steeper prices and mortgage rates.
Bank Director 1st Quarter 2011 Jack Milligan	In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry.
The Motley Fool September 24, 2007 Dan Caplinger	A Jumbo Opportunity Interest rates on jumbo mortgages rose nearly half a percentage point in August, even as regular mortgage rates were mostly coming down. Is it time to raise the jumbo loan amount minimum?
The Motley Fool July 13, 2007 Dan Caplinger	A Tale of Two Borrowers Unfortunately, many homeowners never consider that they may not really be able to afford the home they own. As painful as it is to give up your home, it's not worth risking financial ruin to stay in a home you can't pay for.
BusinessWeek November 4, 2010 Zainab Fattah	The Shifting Sands of Saudi Real Estate New rules may loosen the country's mortgage market and bring homeownership to the masses.
Registered Rep. August 9, 2012 Mark Miller	Reverse Mortgage Madness Two recent studies illustrate the pressure that the housing meltdown is putting on older homeowners - and the risks associated with draining home equity.
The Motley Fool April 27, 2010 Dan Caplinger	This Will Bring On the Real Recovery Now, some positive signs in mortgage financing are bolstering the argument that for real estate, the worst is truly over.
The Motley Fool September 7, 2011 Dan Caplinger	Stop Picking at the Housing Carcass The latest attack on banks sounds reasonable but makes no sense.
Insurance & Technology September 12, 2007 Katherine Burger	Insurers Will Feel Pain From the Sub-Prime Mortgage Crisis Fallout Will a crop of risk management and analytical solutions help insurers cope with the sub-prime mortgage crisis?
The Motley Fool August 16, 2007 John Rosevear	Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.
The Motley Fool January 14, 2009 Dan Caplinger	Why the Housing Problem Isn't Going Away Low mortgage rates should be fixing everything. So why aren't they?
The Motley Fool January 19, 2012 Dan Caplinger	Why Falling Home Ownership Is a Good Thing Don't assume that all the news on housing is bad.
The Motley Fool October 26, 2007 Dan Caplinger	Don't Cut Off ARMs to Spite Your Face Mortgage products aren't the problem. Borrowers are. Used correctly, option ARMs provide flexibility that can be extremely helpful to borrowers whose cash flow isn't steady and predictable.
The Motley Fool August 31, 2011 Dan Caplinger	A Jumbo Problem for Housing Limits on loans by Congress will hurt hard-hit high-end housing markets.
Real Estate Portfolio Sep/Oct 2007 Dees Stribling	Coming into Focus Mortgage REITs of all stripes tighten their lending practices to improve their outlook going forward. The subprime event may mark a permanent change in the business environment for mortgage REITs, as well as mortgage lenders and investors.
The Motley Fool September 2, 2005 Seth Jayson	Bad-Mouthing the Bubble Unfortunately, many people are far more financially analytical when they're shopping for an MP3 player or a dishwasher than when they're purchasing a home. Readers share their concern.
U.S. Banker October 2002 John Adams	Of Housing and Helium Is the housing market a bubble waiting to pop?
BusinessWeek October 29, 2007 Christopher Farrell	Bankruptcy Reform Bites Back For consumers, debt relief is harder to come by. And that's adding to housing woes.
Financial Planning September 1, 2005	Mutual Fund Monitor The real costs of a housing bubble.
The Motley Fool July 14, 2008 Dan Caplinger	Curtains for the American Dream? How trouble with Fannie and Freddie could affect your ability to get a mortgage.
The Motley Fool March 19, 2007 David Lee Smith	Subprime Symptoms Starting to Spread? It seems that subprime mortgage difficulties have already started to spread. There will almost certainly be a more protracted softness for housing than we might have anticipated as recently as the final quarter of last year.
BusinessWeek May 1, 2008	Navigating the Crunch A financial aid expert explains how borrowers can best ride it out.
U.S. Banker May 2007 Thomas P. Vartanian	Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate.
BusinessWeek April 11, 2005 Kathleen Madigan	After The Housing Boom What the real estate slowdown means for the economy.
The Motley Fool October 12, 2007 Dan Caplinger	Where's the Consumer Credit Crunch? Housing may be slowing, but borrowing is moving full speed ahead. Last month, figures for both revolving credit, such as credit card debt, and non-revolving debt, like car and student loans, rose.
The Motley Fool February 29, 2008 Tom Hutchinson	A Wild Week for Fannie and Freddie Analyst downgrades. Worse-than-expected earnings. The lifting of federal loan limits. Put it all together, and Fannie Mae and Freddie Mac have experienced one of the most tumultuous weeks in their history.
The Motley Fool September 6, 2007 David Lee Smith	The Mortgage Lenders' Dual Masters Whatever steps some lenders and loan service agents are willing to take to help troubled mortgage holders, the crush of delinquencies and foreclosures, along with radically tightened credit standards in the mortgage industry, will make for a slow recovery for the U.S. housing market.
FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.